Zhong Guo Ji Jin Bao·2025-11-03 04:16Core Points - The Industrial and Commercial Bank of China (ICBC) will suspend the acceptance of certain Ru Yi Jin accumulation business applications starting from November 3, 2025 [1][3] - The suspension includes new account openings, proactive accumulation, new fixed accumulation plans, and physical withdrawal applications, while existing plans will remain unaffected [3] Group 1 - ICBC's decision is influenced by macroeconomic policies and risk management requirements [3] - The minimum investment amount for the Ru Yi Jin accumulation business was raised from 850 yuan to 1000 yuan effective October 13, 2025 [3] - Other banks, including Bank of China and Ningbo Bank, have also adjusted their minimum purchase amounts for gold accumulation products in response to market conditions [6][7][10] Group 2 - ICBC has issued multiple warnings regarding the volatility of precious metal prices throughout the year, advising investors to be cautious and diversify their investments [5] - The bank recommends that investors consider their financial situation and risk tolerance when purchasing gold, suggesting methods like dollar-cost averaging [5]